The debate around financial access reached a new level this week after a major U.S. banking regulator warned large Wall Street banks that “debanking” customers may be unlawful. The message landed in a tense market, where many individuals and small businesses already feel locked out of traditional services.
At the same time, projects offering open access and real utility are gaining attention. Digitap ($TAP), a live omni-banking platform backed by a growing crypto presale, enters this moment with a message that fits the news: banking should be available to everyone — and not at the mercy of corporate decisions.
As the project launches its 12-Day Christmas Sale, interest surges among users searching for a crypto to buy that aligns with this shift.
U.S. Regulator Warns Banks on ‘Debanking’ Practices
The Office of the Comptroller of the Currency (OCC) warned Wall Street that removing customers without fair cause may violate federal law. Thousands of complaints have been filed by individuals, small businesses, and entire industries claiming that banks closed accounts with no explanation. The OCC said these actions can be discriminatory or based on flawed internal policies.
Source: X
Some customers were labeled “high risk” without evidence, while others were removed simply because their industries seemed controversial. The regulator stressed that banks must rely on consistent standards and real risk checks. New enforcement actions may follow if unfair debanking continues.
This warning comes at a time when many people feel limited by traditional banking. High fees, slow settlement, strict geography rules, and sudden account freezes continue to frustrate users. The news also raises a question: if major banks can close accounts at any time, where can people turn for reliable financial access?
Digitap Offers a Solution With Open Access and a Live Banking App
The concerns raised by U.S. regulators highlight the core problem Digitap was designed to solve. The project gives anyone, anywhere, access to digital banking features through a live mobile app already available on both app stores.
There is no waiting list and no complex onboarding. Users can hold cash and crypto together, move funds via SEPA and SWIFT, and spend with virtual or physical Visa cards.
Source: Digitap
Digitap’s approach flips the traditional system. Instead of imposing strict entry barriers, the platform offers easy access through a no-KYC wallet plan, allowing users to get started immediately. Higher limits are available through optional verification, not forced compliance. For many people who feel marginalized by traditional banking rules, this flexibility is a game-changer.
This broad access pairs well with the current market mood. Traders want a top altcoin to buy that offers tools, not just a token. Digitap delivers daily utility today, not at some distant point in the roadmap. This gives the project strong relevance during a time when financial inclusion is being debated at the highest levels of regulation.
The Clock Is Running on One of 2026’s Top Presale Picks
Digitap’s token, $TAP, sits at the center of the ecosystem. Half of the platform’s revenue is used to buy and burn the token, shrinking supply over time. This model ties token value to real activity, not pure speculation. For many traders searching for a crypto to buy with a controlled supply design, this stands out.
The crypto presale has already pushed past 141 million tokens sold and more than $2.3 million raised. The current round sells at $0.0361, with the next step moving to $0.0371 within hours. The launch price is set at $0.14, creating a wide value gap for early buyers. Many view this as one of the few structured entries left in the market where the upside is clear.
This is why $TAP is increasingly seen as a top altcoin to buy for 2026. The token benefits from platform revenue, a real user base, and a growing community. As fears about traditional banking rise, interest shifts toward projects offering independence from legacy systems. Digitap fits that narrative cleanly.
Digitap Kicks Off Its 12-Day Christmas Event: 24 Gifts, Every 12 Hours
To close the year, Digitap has launched its 12 Days of Christmas Holiday Drop, a holiday countdown designed to reward the community as the crypto presale enters its next stage. Every 12 hours, a new surprise drops inside the Offers tab — each one wrapped like a digital gift waiting to be opened. Users can sign in, tap the snow-globe display, and unwrap rewards before they disappear.
OVER $300K IN BONUSES, PRIZES, GIVEAWAYS. DIGITAP CHRISTMAS SALE IS LIVE
The festive offers range from free Premium and Pro account upgrades to generous $TAP token bonuses, all released in limited slots. Each reward lasts only 12 hours before the next one arrives, creating a steady rhythm of holiday excitement. It feels like an advent calendar built for traders searching for a crypto to buy with real momentum.
The message is simple: 24 chances to win, 12 days to celebrate. This Christmas rollout adds energy to the Digitap ecosystem and gives the community a seasonal boost as the crypto presale continues to sell fast.
A Strong End-of-Year Case for Digitap as the Top Altcoin to Buy
With regulators calling out unfair banking practices, the world sees how fragile access to financial services can be. Digitap offers a working alternative built on open access, fast settlement, and a token backed by real activity. Its crypto presale gives users a strong early position, while the Christmas campaign adds momentum and daily rewards.
For traders searching for a crypto to buy that fits the direction of the market and a top altcoin to buy with long-term potential, Digitap stands in a strong position. The time to act looks clear, as both the presale and the holiday event move quickly toward their next stages.
Discover how Digitap is unifying cash and crypto by checking out their project here:
Presale: https://presale.digitap.app
Website: https://digitap.app
Social: https://linktr.ee/digitap.app
Win $250K: https://gleam.io/bfpzx/digitap-250000-giveaway
